Decode this offer letter
Balance transfer, check offer, or 0% promo in the mail? Upload it and see what it really says — the rate, the fee, the deadline, and the fine print — with no advice, just the facts.
A quick heads-up before you upload
We know — signing in just to ask a quick question feels like a lot. We’d skip it if we could, but the platform that hosts this tool requires a sign-in to keep it running. So we kept it as light as we could.
- Before we look at anything, you sign in with Google or Apple. No password to remember — we never see yours.
- Your file is read once to explain it, then we don’t keep it. We don’t store your letter.
- Your sign-in is a temporary work-session — it clears itself automatically within 24 hours. No profile, no history.
Upload the offer letter — the one with the big 0% on it. We'll read every line, including the fine print, and lay out exactly what taking it would mean.
Drag and drop the offer letter here
PDF or a clear photo (PNG/JPG). Up to 10 MB. Include the fine print page.
Your letter stays yours.
- Your letter is read on your device. Only the text inside it is sent to write your explanation.
- That text is sent to an AI service to generate your explanation. We do not sell your information or use it for advertising.
- Nothing is saved. Your results live in this tab and vanish when you refresh or clear them.
- No account history, no bank connection — your sign-in session erases itself within 24 hours.
A real 0% promo letter, explained — nothing of yours required.